Being a LIENLORD with William Tingle

Unleashing The Power Of Subject To Deals In Real Estate Investing

Navigating the real estate market is akin to sailing a vessel through treacherous waters, demanding exceptional strategy and knowledge. One such strategic approach is the use of subject to deals, a method that allows investors to take over existing loan payments while acquiring property ownership. This technique, honed by real estate investor William Tingle over 24 years, is akin to a secret weapon in the arsenal of a savvy investor. It offers the potential of acquiring multiple properties without requiring bank approval, thereby circumventing the typical barriers to entry. This method can feasibly replace a conventional job within a year due to the consequent cash flow. Tingle’s marketing strategies further enhance the potential of this approach. This article will unpack the power of subject to deals, presenting a blueprint for executing successful transactions, effective marketing strategies, and additional resources to expedite mastery of this powerful tool in the realm of real estate investment.

Key Takeaways

  • Subject to deals involve taking over the payments of a homeowner’s existing loan while gaining ownership of the property.
  • Banks are more concerned with getting paid than with the transfer of ownership in subject to deals.
  • Subject to deals allow for the purchase of multiple houses without needing approval from banks.
  • Subject to deals can be a strategy to create cash flow and potentially quit a job within 12 months.

Understanding the Basics

Understanding the basics of subject to deals in real estate investing involves comprehension of the process of taking over a homeowner’s existing loan payments while simultaneously gaining ownership of the property, a strategy that investor William Tingle has successfully utilized for over two decades. This approach leverages the homeowner’s efforts in securing a loan while removing the need for bank approval for the investor, thus creating opportunities for multiple property acquisitions. Despite the due-on-sale clause often included in loan agreements, Tingle’s experience indicates that banks are primarily concerned with receiving regular payments, and therefore, are unlikely to call the loan due. The transition of ownership is typically flagged only by a change in insurance, making this a viable strategy for aspiring investors.

Executing a Successful Deal

In the world of property acquisition, the successful execution of a ‘subject to’ deal can be likened to a master conductor leading an orchestra, harmoniously bringing together various elements, from negotiating terms with the homeowner to navigating the intricacies of title changes and insurance matters.

Details of the process include:

  • Evaluating the property’s market value and the homeowner’s existing loan details
  • Thoroughly negotiating terms that ensure a win-win situation for both parties
  • Utilizing a trust to hold title as a protection mechanism
  • Strategically handling changes in insurance to avoid alerts to the bank
  • Planning an exit strategy, such as seller financing or listing the property with a realtor.

This method requires an analytical approach, deep knowledge of market trends, and the ability to wield power in negotiations.

Effective Marketing Strategies

Effective marketing strategies play a crucial role in the success of property acquisition, particularly in the realm of ‘subject to’ deals. This approach requires a keen understanding of target markets and a well-developed plan to reach potential sellers. For instance, targeting areas like Benton and Washington County in Arkansas, with a population of approximately 500,000, has proven fruitful.

Radio AdvertisingNegotiated rates for cost-effectiveness
High-day MLS ListingsIdentifying properties with potential for ‘subject to’ deals
Door Knocking ForeclosuresPersonal approach by leaving packages with sales contracts and follow-up postcards

Opting for traditional offline methods instead of online platforms like Facebook or Google pay-per-click, demonstrates an understanding of the target demographic and prevailing market trends. This approach emphasizes the importance of direct communication and personalized outreach in property acquisition.

Additional Resources

Additional resources provided by William Tingle, such as his YouTube channel and podcast, offer valuable insights into the intricacies of creative finance and ‘subject to’ deals. These platforms serve as a repository of information, offering in-depth knowledge about the intricacies of real estate investing. Tingle’s YouTube channel,, offers a wealth of free videos on creative finance, providing a comprehensive understanding of the subject to deals. The podcast supplements these resources by providing a platform for discussing advanced topics in real estate investment. Moreover, these resources reflect Tingle’s long-standing experience and success in the field, making them a reliable source for investors who aim to leverage the power of subject to deals in their real estate ventures.

Frequently Asked Questions

How do subject to deals affect the credit score of the original homeowner?

In the realm of real estate investing, the subject to deals strategy can impact the credit score of the original homeowner. It is predicated on the buyer assuming responsibility for the mortgage payments, thereby, the original homeowner’s credit score remains unaffected as long as payments continue to be made timely. However, if the buyer defaults on these payments, the original homeowner’s credit score may be adversely affected, as the loan remains in their name.

What are the potential risks or disadvantages for buyers in subject to deals?

In subject to deals, buyers must consider potential risks or disadvantages that may emerge. Notably, they inherit the original loan’s terms, which may not be favorable. In addition, the due-on-sale clause presents a risk, as the lender could demand full payment upon discovering the ownership change. The original lender may also refuse to provide information about the loan due to privacy laws. Lastly, failure to meet mortgage payments could lead to foreclosure, impacting the buyer’s credit score.

How does the due on sale clause impact the subject to deals and how can an investor navigate this?

The due-on-sale clause stipulates that a loan must be fully repaid upon transfer of property ownership. However, in subject-to deals, this clause is seldom enforced, as banks are primarily interested in loan repayment. For instance, an investor may take over a homeowner’s mortgage payments and acquire the property without triggering the due-on-sale clause, provided payments continue regularly. It’s a calculated risk, mitigated by diligent payment and strategic use of trusts for title holding, ensuring continuous cash flow and property acquisition.

Are there any specific legal considerations or regulations to be aware of when executing subject to deals?

Subject to deals necessitate a comprehensive understanding of legal considerations and regulations. These include ensuring the original loan does not contain a due-on-sale clause, or if it does, that the bank is unlikely to enforce it. Investors should also understand how title transfer works, and the legal implications of change in insurance. Moreover, investors need to be aware of how they can legally protect themselves in such deals, such as through using a trust to hold title.

How can an investor ensure that they are not taking advantage of homeowners in difficult financial situations when proposing a subject to deal?

Investors must approach subject to deals with utmost integrity, ensuring they are not exploiting homeowners in precarious financial situations. The key lies in offering fair, transparent solutions that alleviate the homeowner’s distress while offering a viable investment opportunity. This requires a deep understanding of real estate market trends, the homeowners’ economic conditions, and the legalities involved. By doing so, investors can wield the power of subject to deals responsibly, fostering mutually beneficial transactions that empower both parties.


In conclusion, the utilization of subject to deals in real estate investing offers an effective strategy for acquiring properties without bank approval or large cash outlays. A case study exemplifying this approach is the successful 24-year career of investor William Tingle, who has created a sustainable cash flow and job replacement through targeted marketing and the strategic use of trusts. This method offers a unique avenue for potential investors to navigate the complexities of the real estate market.

More from our blog

See all posts